Opening Hours: Mon - Fri : 8:30am to 5:00pm

Looking for a personal or a business loan but don’t know how your repayments would look like? Use our simple loan calculator to help you out.

I would like to borrow

I would like to repay over

Monthly repayments


Total amount repayable


Illustrative MPR


Our loan features

  • From ₵500 to ₵20,000
  • Over 1 to 12 months
  • Make additional payments
  • Fixed repayments
  • Quick, easy and secure

Representative example

You could borrow ₵5,000 over 6 months with 6 monthly repayments of ₵1,233.33. Total amount repayable will be ₵7,400 using a representative 8% monthly percentage rate (MPR).

This representative MPR applies to loans of ₵500 to ₵20,000 over 1 to 12 months. The minimum MPR you could be offered is 6%.

Ways to apply for our loan

To apply for any of our loan products, you must be aged 18 years or older, be a Ghanaian resident, and have been with your employer for at least 6 months if applying for a personal loan, or have been in business for at least 2 years if applying for a business loan.

The amount of loan we lend out and the rate of interest we give depend on our assessment of your personal or business circumstances.

Apply online

Register on our digital lending platform through our website or app and log on with your details to begin the loan application process. We would give you a decision on your application within 24 hours.

Not registered for digital lending yet?
Register now

Apply over the phone

You have the opportunity to apply for our loan over the phone. Our lines are open from 8:30am to 5:00pm, Monday to Friday. We would give you an answer on your application as soon as possible.

Call us on 0303409546/50/51

Apply in office

You can apply for our loan by visiting our office, which is open from 8:30am to 5:00pm, Monday to Friday. We would usually be able to give you a decision on your application instantly.

Find our office here

Loan Calculator FAQs

Through our loan calculator, you are able to know how much you could borrow and what your monthly repayments could look like.

You would need to enter the amount you wish to borrow over the duration in which the loan would be repaid. Your monthly repayments and total repayable amount would then be shown based on an illustrative monthly percentage rate (MPR).

Making changes to the amount you wish to borrow and its associated terms such as the duration automatically changes the monthly repayments and the total repayable amount.

It is important to note that we may offer you a different MPR subject to your personal or business circumstances.

To be eligible for a loan from Real Microcredit, you must:

  • be aged 18 years or older
  • be a Ghanaian resident
  • be in paid employment or have a regular business income
  • not have a history of bad credit

There are quite a number of factors we consider when calculating your monthly percentage rate (MPR). These include:

  • history of your credit repayment
  • the loan amount you want to borrow
  • the duration over which to repay the loan
  • other personal and/or business details